can i add somthing in here that you might find interesting (mainly me theorising but im not an expert in this field so point and shout if im wrong!)
I believe what you are on about, especially the "time" ratio to "gravitational mass" ratio. Would it be worth considering that if a black hole (within the hole and not on the rim or outskirts of it) time was not a factor then the black hole could be influenced by our own "time space"? therefore a black hole does not actually exist because nothing apart from some type of radiation (i have forgotten what it is called) can be spat out of one? It only exists because our time space allows it to? Moreover, relating the black holes effects to a hurricane as such where you have the eye of a storm (where there is no momentum or wind, but is effected by the outside of the hurricane spiral) it would relate to the theory that the center of a black hole does not actually contain gravity or known matter, but contains a hole to either different dimensions or a more realistic theory that it is a gate to another part of space not accessible through our form of matter?
Sorry if this sounds confusing, i seem to have lots of theories?!